Umyinge wengeniso yemali mboleko yendlu
ukuba i-EU ayivumi. Ukusukela ngo-2013, umlinganiselo werhafu uphezulu ekunokuthi kutsalwe kuwo inzala ye-mortgage iye yancitshiswa. Ngaphambili, izinga eliphezulu lerhafu lalingama-52%, kodwa ukususela ngo-2013 ipesenti ephezulu iyancipha. Ngo-2019 usenakho ukutsala ubuninzi kwi-49%, kulo nyaka uzayo i-46%, ngo-2021 ngokuchasene ne-43%, ngo-2022 ngokuchasene ne-40% kwaye ngo-2023 ngokuchasene ne-37,05% ephezulu.
intlawulo yerhafu efunekayo. Oku kuya kuba namandla.Abanjingalwazi abakuluhlu lwethu lweshishini baye bafikelela kwisigqibo sokuba okwangoku elona zinga liphezulu lerhafu onokuthi uxhuzule kulo lingama-38% okanye ngaphantsi, indlu otsalwa kuyo imali yokubambisa, ungaya kuyo. ibhokisi 3. Ibhokisi yesi-3 yinxalenye yembuyekezo yerhafu apho ubutyebi behlabathi bubhengezwa khona. Ikhaya ke liba yi-asethi ehlawulelwa irhafu, apho isixa-mali semali mboleko yendlu esele sigcinwe kwipropati sinokuhlawuliswa. Ukuxhuzulwa kweendleko zendlu mboleko kuphelile.
Ukutsalwa kwenzala ye-mortgage eNetherlands
Ukwandisa inzala yakho yokutsalwa kwerhafu, sebenzisa zonke izinto ozitsalwayo ukuze ugqithe kutsalo oluqhelekileyo lwerhafu yengeniso evunyelwa yiNkonzo yeNgeniso yaNgaphakathi. Ukutsalwa komgangatho womdibaniso kuphezulu ngokwaneleyo kangangokuba akunakwenzeka ukuba ufune ukutsalwa kwenzala yemali-mboleko ngaphandle kokuba ufumana umvuzo omkhulu. Ukuba ubango lokuxhuzulwa, uya kufumana isiqabu ngakumbi kwirhafu ngokuye uphezulu umvuzo wakho kunye nendlu-mboleko, ukuya kuthi ga kumda we-$750.000.
Ukutsalwa kwerhafu yenzala yemali-mboleko yinzuzo yerhafu efumanekayo kubanini-zindlu abathi batsalwe kwirhafu yengeniso yomanyano. Amazwe ahlawulisa irhafu yengeniso anokuvumela abaninimzi ukuba bafune oku kuxhuzulwa kwiimbuyekezo zabo zerhafu, kungakhathaliseki ukuba bayayibhala kwiimbuyekezo zabo. INew York ngumzekelo.
Inzala oyihlawulayo iyancipha kancinci nyanga nganye, kwaye ngaphezulu kwentlawulo yakho yenyanga iya kwinqununu. Ke ngoko, inzala yemali-mboleko yonyaka ayiyi kuba yi-12.000 yeedola, kodwa kunokuba i-$ 11.357 okanye i-$ 12.892.
Inzala yemboleko ye-irs
Umrhumo wonyaka wokubhaliswa kwezi zithuthi zilandelayo awuxhuzulwa: iiveni (imodeli ye-2009 okanye ngaphambili), iilori ezisebenza ngamandla, iiveni zokusebenza, ii-ambulensi, iinqwelo ezithwala izidumbu, iiveni ezingabahambi, iikampu, izithuthuthu, okanye iibhayisekile.
Olu xhuzulo lusebenza kuphela kumrhumo wonyaka wobhaliso lwesithuthi. Ayisebenzi kumrhumo we-5% wokubhalisa kanye/wokubhalisa kwakhona otsalwa kubhaliso lokuqala lwesithuthi. Ukuba i-5% ireyithi itsalwa kuphela kwi-IA 1040, iShedyuli A, umgca we-4b ukuba umhlawuli werhafu ufune ukutsalwa kwezinto kwirhafu yokuthengisa ngokubanzi ehlawulwe kwifom ye-federal 1040, iShedyuli A, umgca we-5a.
Sebenzisa iphepha lomsebenzi elingezantsi ukubala isixa-mali esixhuzulwayo semali yobhaliso yonyaka ehlawulwe ngo-2019 kwiimoto ezifanelekileyo kunye nezithuthi ezisetyenziselwa izinto ezininzi (imodeli yonyaka ka-2009 okanye kamva). Kwiminyaka yerhafu ka-2008 nangaphambili, imirhumo yokubhalisa iilori ayizange ithathwe njengento etsalwayo kuba imirhumo yayicwangciswe njengomrhumo ocacileyo kwaye yayingasekelwanga kwixabiso. Nangona kunjalo, ekuqaleni konyaka-mali ka-2009, kubekho utshintsho kubume bemirhumo yokubhalisa iilori.
Ukutsalwa kwenzala yemali-mboleko,
I-Home Equity Deduction of Interest (HMID) yenye yezona zinto zixatyiswayo zokuqhawula irhafu eMelika. Abanini bezindlu, abanini-zindlu, abaza kuba ngabanini-zindlu, kwanababhali-mali berhafu bayalichaza ixabiso layo. Enyanisweni, intsomi idla ngokulunge ngakumbi kunenyaniso.
I-Tax Cuts and Jobs Act (TCJA) idluliselwe kwi-2017 yatshintsha yonke into. Ukunciphisa ubuninzi obufanelekileyo be-mortgage nqununu kwinzala exhuzulwayo ukuya kwi-750,000 yeedola (ukusuka kwi-1 yezigidi zeedola) kwiimali-mboleko ezintsha (ithetha ukuba abanini-zindlu banokutsala inzala ehlawulwe ukuya kuthi ga kwi-750,000 yeedola kwityala le-mortgage). Kodwa iphantse yaphinda kabini ukutsalwa okusemgangathweni ngokususa ukhululo lobuqu, ikwenza kube yimfuneko ukuba abarhafi abaninzi bakhuphe into, ekubeni bengasenako ukuthatha ukhululo lobuqu kwaye benze izinto ezitsalwayo ngaxeshanye.
Kunyaka wokuqala emva kokuba i-TCJA iphunyeziwe, malunga ne-135,2 yezigidi zabahlawuli berhafu kulindeleke ukuba bathathe ukutsalwa okusemgangathweni. Xa kuthelekiswa, izigidi ezingama-20,4 bekulindeleke ukuba zitsale imali, kwaye kuzo, i-16,46 yezigidi iya kubanga ukutsalwa kwenzala yemali-mboleko.
